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Have we really solved the crisis

By chance I recently saw a documentary Inside job http://en.wikipedia.org/wiki/Inside_Job_(2010_film) This is about the 2008 crisis. Would recommend it to others. It seems to me that we really haven't sold the "too big to fail" crisis. In fact its become even more concentrated. And talking...
by rm
Sat Jul 12, 2014 9:32 am
 
Forum: Investing - Theory, News & General
Topic: Have we really solved the crisis
Replies: 7
Views: 1446

KOA campgrounds experience

My kids and wife are really not into camping. However, I am and think its great for them to experience some nature. I was thinking of taking them to a Koa campground. These places have delux cabins (with beds and no tents) so could be a good initiation. Has anyone experienced this? fyi, we'll be goi...
by rm
Mon May 26, 2014 11:17 am
 
Forum: Personal Consumer Issues
Topic: KOA campgrounds experience
Replies: 14
Views: 1131

Re: TV show recommendations?

house of cards - a fast paced political thriller
by rm
Mon May 26, 2014 11:12 am
 
Forum: Personal Consumer Issues
Topic: TV show recommendations?
Replies: 304
Views: 119772

liquid bond etf for short term in taxable

Hi I have a brokerage account that I use for my ETF account.I'd like to put a bond ETF in it. Its a taxable account. Is there any liquid short term bond ETF. I looked at MUB but its average volume was only 25000. BSV was even less vol - (though this one is NOT non-taxable I would be willing to live ...
by rm
Sat Apr 26, 2014 7:40 pm
 
Forum: Investing - Help with Personal Investments
Topic: liquid bond etf for short term in taxable
Replies: 1
Views: 228

short term muni bonds vs bank rate

I was looking at short term tax exempt bond fund (vmltx) vs bank rate. It seems to me that vmltx is typically (always?) ahead of sweep account in brokerages. For instance my sweep account in welltrade is like 0.1% (maybe) for the past 2-3 years but vmltx is always higher return. Also even my bank sa...
by rm
Sat Feb 08, 2014 3:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: short term muni bonds vs bank rate
Replies: 3
Views: 397

outperformance of extended market over large cap?

I was plotting different ETF over the past 10 years and it seems to me that extended market has outperformed small cap all these years (barring 2011) year 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 spy 10.75 4.79 15.69 5.39 -36.97 26.42 14.93 2.06 15.84 32.21 vxf 18.75 10.48 14.46 4.49 -38.6 ...
by rm
Sun Jan 05, 2014 12:23 pm
 
Forum: Investing - Theory, News & General
Topic: outperformance of extended market over large cap?
Replies: 0
Views: 136

term life with disability and illness coverage

I was planning to go with a plain vanilla 20yr term life 1mil dollar coverage. When I talked to my insurance agent, he is encouraging me to consider a term life that also provides coverage in case you have terminal/critical/chronic illness or disability. You collect plain vanilla term insurance only...
by rm
Tue Nov 12, 2013 8:10 pm
 
Forum: Personal Finance (Not Investing)
Topic: term life with disability and illness coverage
Replies: 2
Views: 201

HSA extra funding

Hi My HSA has a deductible of 1350 for employee, 2700 for employee+children, 3550 for family. Out of pocket max is 2100,4200, 5000 respectively. Annual contribution limit is 3300 for employee and 6550 for family. My spouse will be covering the children in here PPO plan. So theoretically I should do ...
by rm
Sun Nov 03, 2013 8:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: HSA extra funding
Replies: 9
Views: 771

Re: HSAs in California

I am confused about HSA taxation in CA. I understand I won't get tax deduction so it increases my AGI for CA. I imagine when I get my W2 there will be a seperate code for HSA. When I put in turbo-tax it will automatically deduct from my AGI (For federal) and put as an adjustment for CA. Is that true...
by rm
Sat Nov 02, 2013 11:48 am
 
Forum: Personal Finance (Not Investing)
Topic: HSAs in California
Replies: 32
Views: 4184

Removing things to prevent identity theft

As I understand it identity theft means someone can steal your social security #, go to someplace and withdraw money with that # and you are responsible for it. In this case you are liable for the stolen money. (unlike credit card theft where the credit card company covers you). I find it surprising...
by rm
Thu Oct 31, 2013 5:02 pm
 
Forum: Personal Finance (Not Investing)
Topic: Removing things to prevent identity theft
Replies: 2
Views: 527

Re: HSA newbie questions

It seems I could enroll my whole family and increase my yearly contribution. My wife already has a PPO and the kids are on that. Her plan is pretty cheap. The downside is that my deductible will be higher but I am in pretty good health and i really haven't had issues for many years (touchwood). So t...
by rm
Thu Oct 31, 2013 1:58 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA newbie questions
Replies: 5
Views: 491

HSA newbie questions

I just got information that we will have to do a high deductible plan next year. With that we have to do HSA. First time doing it so need some unbiased opinion. a) Are they a good deal. I am maxed out on retirement accounts. Should I just contribute the max (~3200) for HAS and just let it grow. I on...
by rm
Wed Oct 30, 2013 5:18 pm
 
Forum: Personal Finance (Not Investing)
Topic: HSA newbie questions
Replies: 5
Views: 491

higher interest rates which assets do well

Hi This is for my education purposes and maybe something I use for tactical asset allocation with a little bit of play money. Which assets do well when interest rates start to jump up. Assumption is that you have bought all the assets listed below when interest rates were low I would think bonds go ...
by rm
Fri Aug 30, 2013 11:59 am
 
Forum: Investing - Theory, News & General
Topic: higher interest rates which assets do well
Replies: 6
Views: 850

Re: real estate taxation

So basically taking the example I listed below. I would pay tax on 400K-300k or another way to put it is 400k- {120k (depecriated cost) +180k (depreciation that i was never able to take)}. Is that correct? So why is depreciation such a big thing. Even if I was able to take depreciation I would have ...
by rm
Thu Aug 29, 2013 3:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: real estate taxation
Replies: 4
Views: 426

real estate taxation

hi i am thinking of buying my first investment real estate. For anyone who has done that is there a good forum/website where you can get your advanced questions answered. brokers, realtors etc. are biased. One question My broker told me IRS assumes you have taken depreciation even if you don't use i...
by rm
Thu Aug 29, 2013 2:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: real estate taxation
Replies: 4
Views: 426

heloc for rental and then refi

I am thinking of buying rental property. most of them are going for all cash

Can one take heloc money from primary residence and use to buy the property for all cash. Then can you go to a back and re-finance your property for 80% of the value as a 30yr fixed loan.

thanks
by rm
Sun Aug 11, 2013 11:23 pm
 
Forum: Personal Finance (Not Investing)
Topic: heloc for rental and then refi
Replies: 3
Views: 281

Re: Hearing Aids

Lon
Thanks for your reply. He did get this from an audiologist but perhaps they are not very well trained.

When you talk about "learning adjustment curve" did you have to do something extra after it was fitted by the audiologist or was it just a matter of getting used to it.

Thanks
by rm
Tue Jul 23, 2013 12:11 am
 
Forum: Personal Consumer Issues
Topic: Hearing Aids
Replies: 82
Views: 6141

Re: Hearing Aids

I am posting for my dad who live out of US and may not have the best care as people here do. He is 70 and was having difficulty hearing on the phone (when we called him) and also in social gatherings. The doctor recommended Starkey saying this is the best brand. Was very expensive for him since it w...
by rm
Mon Jul 22, 2013 8:18 pm
 
Forum: Personal Consumer Issues
Topic: Hearing Aids
Replies: 82
Views: 6141

Re: Shoe recommendation

Ecco are really comfortable especially if you have to stand all day
by rm
Mon Jul 22, 2013 8:11 pm
 
Forum: Personal Consumer Issues
Topic: Shoe recommendation
Replies: 20
Views: 2912

Re: travel to japan for the first time

Thanks for all your suggestions. I did end up going to kyoto and wanted to give back my experience in case anyone in the future ever decides to search on this board. Kyoto is a fascinating place. Very safe so be open to adventures. People are very helpful so you will likely not get lost since the bu...
by rm
Sun Jun 23, 2013 11:58 am
 
Forum: Personal Consumer Issues
Topic: travel to japan for the first time
Replies: 11
Views: 1190

Re: New Printer Needed

Does anyone have experience with a laser multi-functional printer. Seems that will serve Munchkin Man's needs. I have not searched for a colour multi-functional laster pinter but here is B&W one which also does copy and scan. http://www.newegg.com/Product/Product.aspx?Item=N82E16828113660&nm...
by rm
Mon May 27, 2013 5:53 pm
 
Forum: Personal Consumer Issues
Topic: New Printer Needed
Replies: 64
Views: 5456

travel to japan for the first time

Hi all I will be in kyoto next month and thought I'll ask the board for advice. My first time there Anyone have a good itieranary of things to see and do there. I will be there 5days and will be free on most evenings (After 5pm) and full day saturday. Also anyone has experience with cell phone etc. ...
by rm
Mon May 27, 2013 11:42 am
 
Forum: Personal Consumer Issues
Topic: travel to japan for the first time
Replies: 11
Views: 1190

Re: 6 years in the trenches - what did it get me?

The exact reverse could have been said for 1995-2000. Would that have meant you change to 100% stocks and 0% bonds in 2000?
by rm
Sat Mar 09, 2013 12:49 pm
 
Forum: Investing - Theory, News & General
Topic: 6 years in the trenches - what did it get me?
Replies: 9
Views: 1266

under performance of EM vs US

Has anyone else noted how poorly EM (VWO) has performed compared to DIA in the past 1yr, 3yr time-frame. The last time I remember EM performing so poorly, they came roaring back. Similar thing is noticed for VSS vs US small cap. I can't find a good vehicle for EM small cap (apart from DFA which I do...
by rm
Sat Mar 09, 2013 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: under performance of EM vs US
Replies: 11
Views: 1595

Re: 529 plans overfunding

livesoft,

My primary reason to fund using 529 versus normal cash flow is the possible means to have earnings which will not be taxed (if used for education). Is there something wrong in my thinking? Please let me know.
by rm
Sat Dec 29, 2012 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 plans overfunding
Replies: 28
Views: 1924

529 plans overfunding

It is difficult to estimate how much my kids will need for education when they are ready. They are 9 and 4 right now. I have funded ~50K for the 4 yr old and ~80K for the 9 year old over the years. Or to put it more correctly, I have ~130K for 2 kids education. Does it make sense to continue investi...
by rm
Sat Dec 29, 2012 1:50 pm
 
Forum: Investing - Help with Personal Investments
Topic: 529 plans overfunding
Replies: 28
Views: 1924

Re: Portfolio help - thanks!

MallNinja wrote:t high expense ratio of LSBDX (loomis sayles bond) ??

Yes, I should move it but haven't found a good place. Seems like the best bond fund in my choices

Sammy_M wrote:You should list all the options available within your 401K plans

Done with edits in original post
by rm
Sun Jul 29, 2012 9:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help - thanks!
Replies: 4
Views: 562

Portfolio help - thanks!

Hoping I can get some input on my situation.. Would like to simplify/improve my Portfolio since everything is so spread out. Emergency funds = 1yr ( ally bank, wellsfargo, provident. basically earning very little interest) Total assets in the 7 figure range. Debt: Just the mortgage, balance of $460k...
by rm
Sun Jul 29, 2012 8:04 pm
 
Forum: Investing - Help with Personal Investments
Topic: Portfolio help - thanks!
Replies: 4
Views: 562

Re: Scuba diving - to do or not to do

pkstack
(a) I live about 2hr from nearest dive site - monterey, CA which really isn't tropical but they say has good marine life
(b) I will be doing a PADI certified class.
by rm
Sat Jul 28, 2012 9:56 am
 
Forum: Personal Consumer Issues
Topic: Scuba diving - to do or not to do
Replies: 41
Views: 3656

Scuba diving - to do or not to do

Hi I have been debating whether to take on scuba diving as a hobby. 41yr old male with 2 kids. tried a trial class where they take u into the pool and liked it a lot. the full class is couple of weekends after which they take u into the ocean for 2 dives with an instructor. uptil now pretty cheap ~5...
by rm
Fri Jul 27, 2012 2:34 pm
 
Forum: Personal Consumer Issues
Topic: Scuba diving - to do or not to do
Replies: 41
Views: 3656

Interesting NY times article on money vs happiness

http://www.nytimes.com/2012/07/08/opini ... d=tw-share

In line with most people's viewpoint here. Underindulge and spend on experiences....
by rm
Wed Jul 11, 2012 9:24 am
 
Forum: Personal Finance (Not Investing)
Topic: Interesting NY times article on money vs happiness
Replies: 13
Views: 1494

Understanding the tax forms

I was looking at this years tax forms. My broker (Wellsfargo) sent a 2011 enhanced 1099. In that he listed the long term gain and losses (1099B) for securities I had purchased before 2010. However he also put an asterix, saying the cost basis will not be reported to IRS since its a non-covered secur...
by rm
Mon Jul 09, 2012 7:53 pm
 
Forum: Investing - Theory, News & General
Topic: Understanding the tax forms
Replies: 5
Views: 781

Mortgage rate math

Hi, I am getting confused with mortgage rate math. --------------------- My initial re-fi was 420K at 3.375% (15 yr). Payment = 2976.79 Right now I am at 390K on my principal My broker said he can do 3.125% (15 yr) @ 390K. payment = 2716.78. (If the rate was 3.375 (15yr) @ 390k payment=2764) $50/mo ...
by rm
Wed May 30, 2012 4:56 pm
 
Forum: Investing - Theory, News & General
Topic: Mortgage rate math
Replies: 4
Views: 419

small cap growth - why the negativity

All, Most of the advice in asset allocation books, message boards etc has been to do a small value tilt (if you really want to tilt). DFA makes a whole case for this and I have followed this blindly. I also remember reading that small growth is really not a good asset class to tilt towards. At a max...
by rm
Tue Mar 06, 2012 12:18 pm
 
Forum: Investing - Theory, News & General
Topic: small cap growth - why the negativity
Replies: 53
Views: 2650

I-bond limit

Is there any reason why the govt limited the amount we can put into I-bond. They seem to be discouraging too much investments in it. I need to increase my bond allocation in AA and was thinking of putting some in I-bonds. My previous purchase was a long time ago and had a nice fixed rate (I think 1....
by rm
Sun Mar 04, 2012 10:09 pm
 
Forum: Investing - Theory, News & General
Topic: I-bond limit
Replies: 37
Views: 3928

cost basis changes this year...

I have some old ESPP stock 1999 that I intend to sell. The cost basis tracked by the broker is all wrong and they won't change it. a) When I sell, the broker will not report my cost basis to IRS since its pre-2011. correct? b) In this case, I can write the correct amount in my cost basis. correct? s...
by rm
Sun Mar 04, 2012 11:00 am
 
Forum: Investing - Help with Personal Investments
Topic: cost basis changes this year...
Replies: 2
Views: 211

Re: Changing cost basis

When you say your company "put" $xxx on your W2, what does that mean


True. W2 will include the money when RSU vest but in this case they also put the gain in W2. thats the $700 I mention below
by rm
Thu Jan 26, 2012 3:43 pm
 
Forum: Investing - Help with Personal Investments
Topic: Changing cost basis
Replies: 2
Views: 238

Changing cost basis

I had some ESPP, RSU etc. that were put into UBS automatically by my company. I transferred them to wellsfargo brokerage (to save some trading cost). Wellsfargo automatically took the cost basis of the UBS specified cost basis. However, my company also put it on W2. Eg. UBS had 100 stock of RSU exer...
by rm
Thu Jan 26, 2012 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Changing cost basis
Replies: 2
Views: 238

investing in commercial real estate as diversifier

I recently solicied a prospectus from a company that claimed they were giving rate of return of ~7.5% per year. They invest in commercial mortgage notes , which are primarily federally gauranteed. Its operated as LLC with a 12month lock-up period a) How would this compare with REITs. Do REITs also l...
by rm
Mon Jan 16, 2012 11:25 am
 
Forum: Investing - Help with Personal Investments
Topic: investing in commercial real estate as diversifier
Replies: 4
Views: 456

Yup...I think the funds fidelity 2035 in our 401k is different than the one typically offered. So thats why composition is different, I guess. In a way getting commodoties and hedge funds seems a good thing but I don't know how to track this...Its something I can't get exposure to otherwise. Perhaps...
by rm
Tue Sep 06, 2011 12:47 pm
 
Forum: Investing - Help with Personal Investments
Topic: fidelity target fund has hedge funds, commodities etc
Replies: 6
Views: 847

fidelity target fund has hedge funds, commodities etc

My company is moving all our 401k into fidelity target funds (by default). Mine goes into target fund 2035 They have 25% into hedge funds 10% global bonds 5% commodities etc Should I run from this fund? Or should I feel happy that I am getting something that I normally would not get exposure to as a...
by rm
Tue Sep 06, 2011 9:53 am
 
Forum: Investing - Help with Personal Investments
Topic: fidelity target fund has hedge funds, commodities etc
Replies: 6
Views: 847

Cella
I don't want to put REIT in taxable. Otherwise there is no issue. Right ?

Seems diversification rebalance etc more imp than taxes.
by rm
Mon Sep 05, 2011 7:45 pm
 
Forum: Investing - Help with Personal Investments
Topic: rebalance between retirement and non-retirement acct
Replies: 5
Views: 968

rebalance between retirement and non-retirement acct

say i want 50-50 REIT and S&P 500. Say I have 100K in retirment (RETI) and 100K in taxable (S&P 500). Now the S&P goes to 120K whereas 100K in REIT goes to 80k say. I can't sell my 20K in S&P ang put in REIT to perfectly balance. This assume no new contributions into retirment accoun...
by rm
Mon Sep 05, 2011 5:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: rebalance between retirement and non-retirement acct
Replies: 5
Views: 968

YTD figures include dividend or not?

In typ finance sites - google, yahoo etc. is the YTD return of MF inclusive of the dividend the fund distributes or not? For instance for REIT funds is it just NAV delta or includes the dividend returns

thx
by rm
Mon Sep 05, 2011 12:01 pm
 
Forum: Investing - Help with Personal Investments
Topic: YTD figures include dividend or not?
Replies: 2
Views: 598

vG being removed from 401k. fido equivalent to visvx

What is the fidelity equivalent to visvx or is there anything in brokerage linkw which doesn' charge me transaction fee/monthly fee for an equivalent o visvx (VG small cap value)

thanks
by rm
Mon Sep 05, 2011 11:01 am
 
Forum: Investing - Help with Personal Investments
Topic: vG being removed from 401k. fido equivalent to visvx
Replies: 5
Views: 672

Thanks marylandcrab

Yeah..my younger one won't leave our side so I am wondering what to do then...u can only hang out so much at the beach :-)

we r thinking of cabo though - less flying time from california
by rm
Sun Sep 04, 2011 7:40 pm
 
Forum: Personal Consumer Issues
Topic: travel with young kids to all inclusive resorts
Replies: 6
Views: 715

travel with young kids to all inclusive resorts

We have 2 kids with a wide age gap - 3 and 8. We are wondering if it makes sense to do an all inclusive resport to mexico around thanksgiving/christmas. Just don't want to get into a rut of deciding where to take kids or what to do with them so if anyone went and had good experience with kids, would...
by rm
Sun Sep 04, 2011 7:25 pm
 
Forum: Personal Consumer Issues
Topic: travel with young kids to all inclusive resorts
Replies: 6
Views: 715

using interest on savings account as tax deduction on schA

My bank teller told me this. You can take all the interest you earn on bank accounts. Figure out the tax you would pay on that interest and add that to your home mortgage tax deduction. So basically if you earn $100 in interest. Then 31% of $100 (Assuming thats your tax bracket) = $31 goes into sche...
by rm
Tue Aug 02, 2011 11:08 pm
 
Forum: Investing - Help with Personal Investments
Topic: using interest on savings account as tax deduction on schA
Replies: 10
Views: 838

pdf editor

As part of my plan to go paperless, I want to find a software to edit pds files

Basically if I download a file in pdf and want to put my notes in it, I have no solution right now. So I end up printing it and righting by pen which is not good.
by rm
Sat Jun 11, 2011 12:00 pm
 
Forum: Personal Consumer Issues
Topic: pdf editor
Replies: 1
Views: 331

forum for taxes

I have a complicated tax question relating to sec 179 and auto deduction (if a car gets into a wreck)

Is there any good tax forums out there. I need 2nd opinion to what my CPA is saying and I need it fast since deadline is approaching.

thanks
by rm
Sun Apr 03, 2011 11:36 am
 
Forum: Personal Finance (Not Investing)
Topic: forum for taxes
Replies: 2
Views: 465
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